Founded in 1989, Alfamart is one of Indonesia’s most popular convenience store chains — with more than 17,100 branches (FitchRatings) —and is also one of the country’s leading online-payment methods. Alfamart has four brands (Alfamart, AlfaMidi, Lawson, and DAN+DAN).

Customers choose Alfamart at the checkout. The site generates a 16-digit code, which the consumer takes to a participating store. When they pay, the Alfamart store sends the payment to the merchant, which then releases the goods for shipment.